The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,290
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$357/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,728
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$23,996/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,560
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$342/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$697/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,478/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,548
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$429/mo
Today · 4.125%
HK$14,398
baseline
▲ 0.50% · 4.625%
HK$15,274
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,796/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,072
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$410/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,724
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,772/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,806
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$499/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,819
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,056
−HK$478/mo
Today · 4.125%
HK$18,534
baseline
▲ 0.50% · 4.625%
HK$19,511
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,068/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,322
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,954
−HK$642/mo
Today · 4.125%
HK$21,596
baseline
▲ 0.50% · 4.625%
HK$22,911
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,192/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,608
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,214
−HK$616/mo
Today · 4.125%
HK$23,830
baseline
▲ 0.50% · 4.625%
HK$25,086
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,660/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,403 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).